Most People Are Making At Least One of These Mistakes (Are You?)

Retirement planning isn’t just about saving money—it’s about making sure it lasts.

We see so many people who think they have a solid plan, but one or two small mistakes can cost retirees tens of thousands of dollars.

If you’re serious about making sure your money lasts as long as you do, here are 6 of the biggest mistakes retirees make—and what to do instead.

1️⃣ Outliving Your Money

✔ People are living longer than ever, but most retirement plans don’t account for 30+ years of income.
✔ Running out of money in your 80s or 90s means relying on family, Social Security, or selling assets.
✔ Better Approach: Have income sources that last a lifetime—not just a pile of money you hope won’t run out.

2️⃣ Underestimating Inflation & Cost of Living

✔ Inflation is a silent killer—prices won’t be the same in 10, 20, or 30 years.
✔ Housing, fuel, and healthcare have risen even faster than the average 3% inflation rate.
✔ Better Approach: Make sure your investments keep up with inflation, not just sit in low-growth accounts.

3️⃣ Not Protecting Yourself from Market Volatility

✔ The stock market doesn’t just go up—it drops hard sometimes (2008 crash, 2022 bear market).
✔ If you retire right before a crash, you could lose 50% of your savings overnight.
✔ Better Approach: Don’t rely 100% on stocks. Use a balanced mix of income sources that protect against market swings.

4️⃣ Ignoring Healthcare & Long-Term Care Costs

✔ Medicare doesn’t cover everything—prescriptions, dental, and vision are all on you.
✔ The average nursing home stay costs over $100,000 per year.
✔ Better Approach: Plan ahead with healthcare savings strategies so medical costs don’t drain your retirement funds.

5️⃣ Not Planning for Losing a Spouse’s Income

✔ Many retirees don’t realize that one spouse passing away can cut household income in half.
✔ Losing Social Security, pensions, or other income sources can put the surviving spouse in a tough spot.
✔ Better Approach: Plan for income loss ahead of time so one spouse isn’t left struggling.

6️⃣ Making Emotional Investment Decisions

✔ Selling in a panic during a market drop locks in losses you might never recover from.
✔ Chasing hot stocks or risky investments can wreck a retirement portfolio.
✔ Better Approach: Have a long-term strategy that protects against emotions wrecking your finances.

🔥 Want to Make Sure You’re Not Making These Mistakes?

These 6 mistakes cost retirees thousands of dollars every year. A few smart moves now can help you avoid them completely.

That’s why we put together the Retirement Roadmap—a guide giving you a complete breakdown of:
✔ How to structure your retirement money so it lasts as long as you do.
✔ How to protect yourself from inflation, market crashes, & rising healthcare costs.
✔ How to maximize Social Security & avoid tax mistakes.

🚀 Get your free copy here: